Others • March 2, 2023

5 Tips for a Healthy Work-From-Home Routine

by Ursula Cousin

If you’re looking for ways to improve your 9-to-5 routine, try these five simple ideas

Higher productivity, less stress, more free time – working from home offers plenty of benefits. It also comes with the challenge of rethinking your daily habits while prioritizing your mental and physical health. If you’re looking for ways to improve your 9-to-5 routine, try these five simple ideas.

1.Bring the Outdoors in

We all have an innate need to connect with nature, and organic materials, shapes and colors have been proven to positively affect our mood. If possible, set up your office near a window and incorporate biophilic design elements into the space. A rug made of natural fibers would be perfect to put your desk and chair on. You could hang up artwork or a wall calendar that features outdoor scenes. Plants also help create a calming vibe with the added benefit of improving air quality.

Get Comfortable

Sitting for long periods of time can lead to serious aches and pains, so you want to carefully consider your office setup. Invest in a comfortable chair that offers lower back and arm support and pair it with a desk that can be adjusted for standing or sitting. You also want to maintain good posture, so position your keyboard at or just below elbow height and parallel with your forearms. Using a mouse pad with wrist support is another easy way to lessen muscle strain.

Keep Moving

Although your job may require you to be in front of a computer for most of the day, you don’t have to remain totally sedentary. Try swapping your chair for a yoga ball. A balance board allows you to strengthen your core muscles while standing, and an under-the-desk elliptical machine is a great option for light cardio. You could also walk around while you’re on the phone and do some simple stretches during breaks to help shake off stiffness.

Stay Hydrated

To keep your energy up through the afternoon, you should avoid high-caffeine beverages that temporarily perk you up but make you crash later. Opt instead for mineral water, which comes in a variety of flavors, herbal tea or organic energy drinks. You could also invest in a smoothie blender and create your own delicious combination of fruits, grains and yogurt to enjoy as a late-day treat.

Relax When the Day is Done

Allowing yourself time to wind down from a busy schedule is very important. When you’ve logged off for the day, go for a bike ride, head to the gym or take your dog to the park. Half an hour of low-impact yoga in a designated “relaxation zone” is another healthy way to destress and mentally prepare yourself for tomorrow’s challenges.

As you continue to improve your work regimen, always keep your mental and physical wellbeing in mind. Establishing good habits ensures a happy and sustainable professional life.

HEALTH WELLNESS WORK FROM HOME

Homeowners • March 2, 2023

Home Design Trends for 2023

by Ursula Cousin

Elevated Escapes and Outlandish Elements

In recent months, the world has re-energized, and hope has bloomed in ways that many had not experienced since before this decade began. In contrast, shifting economic and global conditions have awakened and heightened certain sensitivities. This age of extremes has given way to a curious range of design ideas. From eclectic and new to natural and nostalgic, here are some of the most notable home design features and themes we expect to see in the year ahead:

Bring the vacation to you

After nearly two years of limited travel, a sense of wanderlust has arisen for many. Yet, rather than actually traveling to fulfill this urge, savvy decorators have opted instead to create an escape within the residence. With a continued desire to revel in the comforts of home, many have embraced the idea that venturing out truly isn’t necessary to achieve that breezy, revitalizing experience. Using warm wood tones, bright light and airy linen curtains and furnishings, abodes will have rooms – both indoors and out – transformed in the style of beachy resort destinations and dreamy European villas.

Connect to nature and the present

People are recognizing the need to be more present and peaceful in the moment and are erring toward pragmatic sensibilities in lifestyle and functionality. Fostering security and balance continue to be key, but with an emphasis on the senses – which translates into the use of natural textiles and rare materials in home décor such as crude clay, terra-cotta, handcrafted finishings and glazed tiles made from organic materials. Color schemes are inspired by nature and the desert theme has gained in appeal, incorporating gentle colors such as beiges and greys. The trend additionally translates to comforting, tactile interior designs that blend organic shapes, arches and irregular forms to create a cozy, warm aesthetic. Such biophilic design will continue as a trend. In fact, you may even consider adding a full-sized tree to the kitchen – olive trees are favored – to add an impressive fixture and create a Mediterranean or rustic vibe.

Embrace opulence and idiosyncrasy

In a distinctly disparate tone, an “anti-neutral renaissance” has simultaneously gained traction, influencing home interiors. For those on this opposite end of the spectrum, minimalist fatigue has set in, driving the desire for extravagance and affecting a mood for glamour. A major theme for the new year is celebrating individuality, so unique touches, unconventional decorative fabrics and elements will reign. Think luxe jewel tones, whimsical details and embellishments galore. Expect striking visual effects in homes such as curvy and geometric shapes, fanciful rugs, monochromatic rooms in vivid shades like baby pink – as well as two-toned cabinets in contrasting colors. Emerald green, cobalt and rust are expected to be top interior colors in the coming year. Hellenism and antiquity will also see a surge in popularity, so Corinthian-style furnishings, statues and wallpaper motifs will be highly sought after.

Statement stone.

Combining aspects of the two aforementioned trends, another desirable style in 2023 will be the use of unexpected stones in surprising ways. Anticipate colorful marble in creative reds, corals, deep blues and jewel tones. Exotic types of porcelain, soapstone and granite will be used throughout the home in a variety of ways: Subtly – as serving platters, side tables or nightstands – and dramatically – as accent walls, tables, bathtubs or countertops that transition into bold backsplashes – to incorporate as standalone art or a stunning focal point.

Whether you feel like a daredevil or crave simplicity, this year boasts a menu of delights to fulfill the moods and needs of many appetites. We hope you’re inspired to customize and love your residence more than ever this year.

Homeowners • March 2, 2023

Savvy Ways to Increase Your Home’s Value

by Ursula Cousin

Here are a few of our favorite impactful and straightforward means of boosting your home’s value and appeal over the short or long term.

Whether you plan to be in your home for just a few more months or many more years, there are plenty of efficient ways to maximize your space and increase its value. This type of investment needn’t require a loan, nor does it have to span any great length of time. From green living to greenery in your yard, here are a few impactful and straightforward means of boosting your home’s value and appeal over the short or long term.

A Smart Move

Green is the new black. Any form of energy efficiencies and conservation in your home will inevitably be a fiscal gain. Whether you install energy-saving window treatments or solar panels, both options can reduce utility expenses for you and any future inhabitants. When it comes time to replace appliances, a prudent decision would be to select a “smart” model of said item, which can significantly lower long-term energy costs.

While on the topic of efficiency, a wise investment would be installing “smart” devices throughout your property. Think digital features such as automated blinds or shades, security cameras, door locks, security lighting and thermostats. When you’re ready to sell, the smart tech will appeal to buyers with a penchant for the added value of convenience and connectivity.

Wide Open Spaces

Create visual space in rooms by keeping them clutter-free and organized, which can be solved by simply installing a stylish shelving unit to keep extraneous items out of sight. Seek the help of a professional organizer who will be bursting with innovative ideas to optimize the storage areas in your dwelling.

Another way to increase square footage without a renovation is to let the sunshine in! Avoid heavy drapes and instead, use modern window treatments that add height such as roller, Roman or cellular shades. Similarly, you can position a decorative floor-to-ceiling mirror in any room to visually double your space.

From the Bottom Up

Explore the possibility of replacing the flooring in a few key spaces. A unique, beautiful and buzzworthy material is cork, which is also known to have antibacterial properties. If you opt for new surfaces under your feet, consider installing radiant heating simultaneously. These systems not only add optimum comfort, but are also aesthetically pleasing and energy efficient.

Make an impact through your lighting choices. Utilize contemporary or dramatic fixtures to complement each room. Whether you choose minimal or eye-catching designs – the right piece in the optimal locale can add intrigue and substance to your residence.

Kick It Up a Notch

Significant updates to your kitchen and bathroom are sure to boost value. Modern appliances and updated décor increase appeal to buyers, so consider a new backsplash or that roomy farmhouse-style sink you’ve been eyeing. Think one step further and install a water filtration system to add practicality and luxury to your dwelling. Additional elements like stylish sconces, a new vanity or a vintage mirror can elevate functionality and increase allure.

It’s Only Natural

Consider your front and backyard. If there is an area that would benefit from some striking landscaping or creative plantings, explore your options or consult with a professional landscape architect or designer. Executed well, a garden or other natural elements in your yard can become lovely extensions of your home’s indoor atmosphere.

When you look around, there are many ways to enhance the comfort and appeal of your property that will serve you well as a resident – and add value one day when you’re ready to sell.

Financing • July 21, 2022

Things to avoid after applying for a loan

by Ursula Cousin

Once you’ve applied for a mortgage to be able to buy a home, there are some key things to keep in mind. While it’s exciting to start thinking about moving in and decorating, be cautious when it comes to making any big purchases. Let us have a look at things you should avoid after applying for your home loan.

Don’t Deposit Large Sums of Cash

Lenders need to source your money, and cash isn’t easily traceable. Before you deposit any amount of cash into your accounts, discuss the proper way to document your transactions with your loan officer.

Don’t Make Any Large Purchases

It’s not just home-related purchases that could disqualify you from your loan. Any large purchases can be red flags for lenders. People with new debt have higher debt-to-income ratios (how much debt you have compared to your monthly income). Since higher ratios make for riskier loans, borrowers may no longer qualify for their mortgage. Resist the temptation to make any large purchases, even for furniture or appliances.

Don’t Co-Sign Loans for Anyone

When you co-sign for a loan, you’re making yourself accountable for that loan’s success and repayment. With that obligation comes higher debt-to-income ratios as well. Even if you promise you won’t be the one making the payments, your lender will have to count the payments against you.

Don’t Switch Bank Accounts

Lenders need to source and track your assets. That task is much easier when there’s consistency among your accounts. Before you transfer any money, speak with your loan officer.

Don’t Apply for New Credit

It doesn’t matter whether it’s a new credit card or a new car. When you have your credit report run by organizations in multiple financial channels (mortgage, credit card, auto, etc.), it will have an impact on your FICO® score. Lower credit scores can determine your mortgage interest rate and possibly even your eligibility for approval.

Don’t Close Any Accounts

Many buyers believe having less available credit makes them less risky and more likely to be approved. This isn’t true. A major component of your score is your length and depth of credit history (as opposed to just your payment history) and your total usage of credit as a percentage of available credit. Closing accounts has a negative impact on both of those aspects of your score.

Consult an Expert

To sum it up, be upfront about any changes when talking with your lender. Blips in income, assets, or credit should be reviewed and executed in a way that ensures your home loan can still be approved. If your job or employment status has changed recently, share that with your lender as well. Ultimately, it’s best to fully disclose and discuss your intentions with your loan officer before you do anything financial in nature.

Bottom Line

You want your home purchase process to go as smoothly as possible. Remember, before you make any large purchases, move your money around, or make any major life changes, be sure to consult your lender – someone who’s qualified to explain how your financial decisions may impact your home loan.